State Disclosures

California Residents

Superlative RM is licensed by the California Department of Financial Protection & Innovation #10286-99. The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact The Federal Trade commission at 1-877-FTC-HELP or www.ftc.gov.

Superlative RM is a Service Provider under the California Consumer Privacy Act (CCPA). For more information regarding the data we collect and how we use it, please visit https://superlativerm.com/privacy/ or call 1 (888) 441-4544.

Colorado Residents

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. 

Local Colorado office location: 27 North Willerup Suite B Montrose, CO 81401

Phone #970-249-7514

COLORADO LAW PROHIBITS CREDIT BUREAUS FROM REPORTING MEDICAL DEBT OR FACTORING MEDICAL DEBT INTO A CREDIT SCORE UNLESS THE CONSUMER REPORT IS TO BE USED IN CONNECTION WITH A CREDIT TRANSACTION THAT INVOLVES, OR THAT MAY REASONABLY BE EXPECTED TO INVOLVE, A PRINCIPAL AMOUNT THAT EXCEEDS THE NATIONAL CONFORMING LOAN LIMIT VALUE FOR A ONE-UNIT PROPERTY AS DETERMINED BY THE FEDERAL HOUSING FINANCE AUTHORITY.

Massachusetts Residents

NOTICE OF IMPORTANT RIGHTS You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.

Minnesota Residents

MINNESOTA: This collection agency is licensed by the Minnesota Department of Commerce.

New York Residents

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., SUPERLATIVE RM is prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:

1. Supplemental security income, (SSI);
2. Social security;
3. Public assistance (welfare);
4. Spousal support, maintenance (alimony) or child support;
5. Unemployment benefits;
6. Disability benefits;
7. Workers compensation benefits;
8. Public or private pensions;
9. Veterans benefits;
10. Federal student loans, federal student grants, and federal work study funds; and
11. Ninety percent of your wages or salary earned in the last sixty days

You may request this communication be sent to you in an alternative format such as large print or email. To make a request, please visit www.superlativerm.com to Chat with a Specialist or call (888) 441-4544 You may ask for Gerald when calling.

New York City Residents

New York City Department of Consumer Affairs license number is 2099096-DCA.

Language Access: Please contact our office if your preferred language is that other than English or Spanish for future communication. We do not provide other translation services at this time. A translation and description of commonly-used debt collection terms is available in multiple languages on NYC Department’s website at www.nyc.gov/dca 

Toll Free: (888)-441-4544 You may ask for Gerald when calling.

IN ADDITION, WE NEED THE DISCLOSURE AT THE BOTTOM OF THE WEBPAGE UPDATED FOR NYC TO READ THE SAME

North Carolina Residents

Terrill Outsourcing Group, LLC dba Superlative RM is licensed by the North Carolina Department of Insurance.

Company SBS License #517697831 physically located at 4343 N Scottsdale Rd Ste 150, Ofc 104 Scottsdale, AZ 85251

Wisconsin Residents

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.dfi.wi.gov

Tennessee Residents

Licensed by the Collection Service Board, TN Dept. of Commerce & Insurance.

Superlative RM maintains the following active state licenses: